You gain nothing by running a solid state part at less than design specs. Have you ever had a cpu fail because it was overused? Or for any other reason other than the CPU cooler fan failed? They do not for all practical purposes wear out at rated voltage. And if you could make it last a few years longer, why would you?
I was not trying to be snide. I was just offering an observation, that there is never going to be a way to future proof your machine. I have never installed a faster CPU in a computer to make it run new applications or old applications faster. By the time you need to change your CPU, it is because new technology comes along and your old CPU will not work with the new motherboard (which will not work with the old memory) that incorporates that new technology.
I still have that 80286 machine out in the barn. It would still run a perfectly usable word processor. But by the time I got it to connect to the internet or accept a USB device, I would have to pay more in kludges than for a new machine. And the memory it would support would not run any currently supported web browser.